Insurance Claim Tips

These suggestions should make the home or auto insurance claim process easier:

• Always keep your insurance information close at hand, and consider keeping an extra copy in a fireproof box or safety deposit box. This will allow you to contact your insurer as soon as possible after an incident.
• You have a duty to lessen the severity of damage to your home or vehicle if possible, and if you try to do so, it may help in the settlement of your claim. For example, if there is a leak in your roof, you should attempt to cover the opening and/or catch the water to prevent further property damage. If you don't attempt to mitigate damage, it may cost you more in the long run.
• Keep receipts to document the purchase price of any items you insure or supplies you buy to mitigate damage. This will help determine your reimbursement, although you will likely not be reimbursed for the full cost; depreciation lessens the value of an item based on its age and condition.

If you follow these tips, your claim may be settled more quickly and efficiently. For more advice about filing your claim, contact your insurer.